Embers Credit Union Wells MI | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Embers, your trusted partner in financial well-being since 1953! Located at 5664 Main St, Wells, MI 49894, we are proud to serve our community with a commitment to exceptional banking services tailored just for you. With a membership of over 31,807 individuals and total assets reaching an impressive $542,213,774, we have the resources and expertise to help you achieve your financial goals. At Embers, we understand that banking is more than just transactions it's about building relationships. Our dedicated team, led by CEO Thomas Blake and Board President Sandra Villa-Mogush, is here to provide you with personalized support and guidance. Whether you're looking for auto loans, mortgage options, or personal banking services, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to PO Box 220, Wells, MI 49894. We invite you to experience the difference that community-focused banking can make in your life. With total deposits of $24,469,370 and a net worth of $67,073,477, our financial stability speaks for itself. Join us today and discover how Embers can light the way to your financial future. For more information or to speak with one of our friendly representatives, please call us at 906-786-7213. Your journey towards better banking starts here!

Branch History & Mission

Community Commitment

Our dedication extends beyond banking; we actively participate in various community events and partnerships aimed at uplifting those around us. We understand that a strong community makes for stronger members and vice versa. Whether it's sponsoring local sports teams or hosting educational workshops about financial literacy, we are here for you every step of the way.

Join Us Today!

We invite you to experience the difference at Embers. Become part of a family-oriented credit union where your goals matter as much as ours. Discover how we can help you achieve financial success while staying connected with the community you love. Visit us online at embers.org or call us at 906-786-7213 to learn more about membership benefits tailored just for you!

Mission Statement

At Embers, our mission is clear: We aim to provide exceptional financial services while making a positive impact in our community. We believe in empowering our members through personalized solutions, whether you're looking for auto loans, mortgage refinancing, or checking accounts that fit your lifestyle. We strive not only to meet your financial needs but also to support local initiatives and outreach programs that strengthen our bonds with one another. While members can visit us at 5664 Main St, official correspondence should be sent to PO Box 220, Wells, MI 49894. This ensures we're always connected with you, no matter how you choose to reach out.

Our Journey

From humble beginnings, Embers has grown alongside the community it serves. Our branch at 5664 Main St, Wells, MI 49894 is a cornerstone for local residents, providing essential banking services that cater to personal and business needs alike. We are proud to be part of a vibrant community that values connection and support. As we evolved, we embraced innovations that enhance our members' experiences while maintaining the warm, friendly service you've come to expect. Our operating hours are convenient: Monday through Friday from 9 AM to 5 PM for lobby access, with extended drive-thru hours until 6 PM on Thursdays and Fridays. Plus, our ATM is available around the clock for quick access to your funds.

Branch Location & Accessibility

Contact Us

If you have any questions or would like more information about how we can serve you better, don't hesitate to reach out! You can call us at 906-786-7213. We look forward to welcoming you into the Embers family come by today and see how we can assist with all your financial needs!

Nearby Landmarks and Accessibility

You'll find us near several local landmarks that make it easy to stop by during your day. Just a short drive from the scenic Delta County area, we're right on Main Street, making us a prime spot for residents and visitors alike. Our location features ample parking and is designed with accessibility in mind, including ADA-compliant entrances and ramps to ensure everyone can visit us with ease.

Operating Hours and Services

At Embers, we know your time is valuable. That's why our lobby is open Monday through Friday from 9 AM to 5 PM, allowing you to take care of your banking when it's most convenient for you. If you prefer using our drive-thru services, we offer extended hours on Thursdays and Fridays until 6 PM, so you can get your banking done without stepping out of your vehicle. We pride ourselves on offering a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we're here to help you achieve your financial goals. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it. While members can visit us at 5664 Main St, official correspondence should be sent to PO Box 220, Wells, MI 49894.

Member Eligibility

At Embers, we're excited to welcome you into our supportive community where your financial well-being is our top priority. Becoming a member is easy and open to those who live, work, or worship in certain areas. If you're part of our local community or affiliated with specific organizations, you're likely eligible! For a detailed look at the criteria, feel free to check out this resource. Joining us at Embers means gaining access to a range of benefits designed to help you thrive financially, including personalized banking services and competitive loan options. Opening your account is straightforward just visit us online at https://my.embers.org/enroll or give us a call at (906) 786-7213 if you have any questions. We're here to guide you every step of the way! You can also find us at 5664 Main St, Wells, MI 49894. We can't wait for you to join our family!

Business Banking & Commercial Services

Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $403 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $113,641,284, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services that help streamline operations. Imagine the convenience of accepting payments effortlessly, allowing you to focus on what you do best running your business. Our solutions cater to various payment methods, making it easier than ever for your customers to engage with your brand. If you're interested in exploring how our services can benefit your business, visit us at 5664 Main St Wells Mi 49894, Wells, MI, or call us at (906) 786-7213. Let's work together to fuel your business success!

Comprehensive List Of Services

Business Banking

For local entrepreneurs, our business banking services, including merchant services and business loans, are designed to support your growth. Imagine having access to the funding needed to expand your operations or invest in new equipment all while benefiting from personal service tailored specifically for small businesses.

Convenient Access

We pride ourselves on making banking easy and accessible. Our ATM and cash withdrawal services allow you to access your funds anytime, anywhere. Plus, with basic drive-thru banking available for deposits, withdrawals, and simple transactions, managing your finances has never been easier. In today's digital world, we know how important convenience is. That's why we offer features like online banking and mobile payments so that you can bank wherever life takes you. Whether it's paying bills on the go or sending money to friends through person-to-person transfers, we've got the tools you need right at your fingertips.

Credit Card Offers

At Embers, we believe in rewarding our members. Our credit cards with rewards not only offer great benefits but also allow you to earn points for every dollar spent. Whether you're shopping for groceries or planning a vacation, our credit cards can add value to your everyday purchases.

Get Started Today!

Ready to explore these services further? Give us a call at 906-786-7213 or visit our website at embers.org for more information. At Embers in Wells, we're committed to providing comprehensive financial solutions that empower you to reach your goals whatever they may be!

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you easily manage your funds. Imagine having a savings account that not only keeps your money safe but also earns you interest. With our user-friendly online and mobile banking options, checking your balance or transferring funds is just a few taps away on your smartphone. For those considering a new vehicle, our auto loans and vehicle financing options can make the process stress-free. Picture yourself driving off in your dream car with an affordable loan that fits within your budget. We also offer mortgage loans and refinancing solutions if you're ready to buy a home or want to lower your current mortgage payments. If you're facing unexpected expenses, our personal loans and debt consolidation services can provide you with the financial relief you need. You can consolidate multiple debts into one manageable payment, helping you regain control of your finances.

Digital & Online Banking

Key Services

Our online banking features allow you to manage your accounts anytime, anywhere. With 24/7 online banking services, you can check your balances, transfer funds, and pay bills without having to visit a branch. Plus, if you prefer paperless transactions, our e-statements give you a secure way to receive account statements directly to your email, helping you stay organized while reducing clutter. For those who are always on the go, our mobile application is perfect for quick transactions and account management from your smartphone. You can even make mobile payments, allowing you to pay for purchases without needing cash or cards. If you need to send money to friends or family, our person-to-person transfers make it simple and fast just a few taps on your phone!

Security Features

Your security is our priority. We use electronic signature authorization for safe document handling, ensuring that your information remains protected during transactions. With robust security measures in place, you can bank confidently knowing that your personal data is secure. Whether you're checking balances or making payments, you'll find that our digital tools are designed with user-friendliness in mind. At Embers, we believe that banking should be accessible and straightforward, empowering you to take control of your finances with ease. Experience the convenience of modern banking with us today! Visit https://www.embers.org/ to get started.

Financial Strength

At Embers, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share the solid foundation that supports our operations and your financial success. With a net worth of $67,073,477, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.35% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $139,799,707 in share certificates and $105,165,599 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to financial strength is also evident in our $37,666,114 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $5,876 in used auto loans and $338,933,056 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While our $1,510,227 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 97 full-time employees and 22 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 75,885, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Embers is your trusted partner. Visit us at 5664 Main St Wells Mi 49894 or call (906) 786-7213 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $83,931,179 in used vehicle loans and $14,088,313 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, making it easier than ever for you to drive away in the vehicle you want.

Credit Lines and Other Options

For those looking for additional flexibility, our total credit lines amount to $78,385,000, offering an excellent option for managing cash flow or unexpected expenses. If you need funds for business purposes, our outstanding commercial loans totaling $113,641,284 provide the capital needed to grow and expand your business ventures.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,636,116, make buying or refinancing simple. We are here to guide you through the process with personalized service tailored to your needs.

Refinancing Opportunities

If you're considering refinancing any existing loans, we have various eligibility options available. Our team is ready to help you explore how refinancing could save you money and streamline your payments. At Embers, we're committed to providing our members with high-quality loan products that fit their unique circumstances. For more information or to discuss which option is right for you, feel free to reach out at (906) 786-7213 or visit us at 5664 Main St Wells Mi 49894 in Wells, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us assist you on your journey toward financial success!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $14,061,652 in loans helping members manage their finances effectively. Our credit cards come with great rewards and benefits that can enhance your spending power.

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This sourcing guarantees that users receive fair and transparent offers, allowing them to compare loans confidently. LendMesh stands out with several key features: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the current market. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions based on their specific needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

Take Action Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

EMBERS CREDIT UNION - Wells, MI

Compare Loan Rates Near You

Loan rates in Wells, MI (49894)